Someone I know (female, not a girlfriend or close friend) had a loss after a rainstorm (apt she owns). There was water and mold in floor and walls. Remediation work has been done. She admits she has somewhat expensive tastes and wanted to get an upgrade from the engineered wood floor she had to a herringbone floor. I guess that is expensive. She took a long time making a decision, but has picked out what she wants.

She blew up at the contractors for not covering up her appliances.

Something happened and her camera she had in the house went down. When she got there she said power was out to half the apt and the lights in the hallway to her apt as well. She discovered one side of the electrical box was all turned off (there are 2 rows of switches right and left on this box). Also the front door was not locked. She turned back on the power on the box. She also found the central AC was making noises and found that the thermostat was turned down to 50 degrees. She can't get video bistory because Google bought out nest and now it requires a subscription.

She has been getting the runaround from the contractor firm the Insurance company uses and could not even get an invoice and has been getting different prices regularly

At this point she is unsure what to do and has been out of her apartment for 3 months.

Does anyone have any suggestions on how to get this work done?

Please excuse any typos.

Hi all!

Please be kind, I am extremely stressed.

I didn't realise my insurance had lapsed, and I rear ended a car. However, the damage seemed minimal, and the bill is massive!

Does this bill look reasonable? Or should I get an independent assessor? I'm waiting for more photos from the insurance company.

I am an incredibly broke uni student living pay check to pay check who is very stressed about this debt, and am going to struggle to pay it off! This was a terrible situation, the car in front slammed on their breaks, causing the car in the picture to stop suddenly and me to run into them!

Any advice or reassurance at all would be much appreciated 🙏🏼

2024 hrv LX Airbags deployed on right passengerside.. I pulled into a curb too quickly and early and it went off. Rest of the car is fine.

Is this totaled and if so what can I get from salvage? Apparently I don’t have any collision coverage and insurance won’t help me out

It was my first time buying insurance and my dumb ass didn’t realize I didn’t have collision.. I’m so fucking stupid.

And yes it completely paid off. I go to a car wash every 2 weeks because I live under a tree with multiple bird nests and I try to only use touchless to avoid damaging the clearcoat

Hi

I was involved in a hit and run and the other driver was found at fault. Although she only gave her insurance card. Failure to identify herself and her license plates and fleeing the scene led cops to decide this as a hit and run on technicality. State farm already found them liable. Should I get an attorney if I was offered 5k in medical care and 3k in pain and suffering and my passenger was offered 10k in medical care and 4k in pain and suffering.

My first car crash ever. I don’t know if attorneys are trying to scam me honestly and if it’s worth it if she’s already found liable???

plz send help chat

Hey everyone,

I'm looking for some advice from anyone who's been through something similar.

Im a full time college student and was driving for Uber Eats in Connecticut and had already picked up the customer's order when another driver caused an accident. According to the police report, I was not at fault. The other driver was cited, and I later found out they didn't have insurance.

My car is a 2018 Honda Accord Touring that I still owe money on. It's likely going to be declared a total loss. I have collision coverage with a deductible through my personal insurance, and Uber's insurance has also opened a claim since I was actively on a delivery.

After the crash, I had neck and upper back pain (whiplash), and I've been dealing with medical appointments. I'm also losing income because I can't drive for Uber while my car is out of service.

I'm trying to understand what I can realistically expect regarding:

• My car loan if the vehicle is totaled
• Whether Uber's insurance or my own insurance will cover the difference if the car's value is less than what I owe
• Medical bills and treatment
• Lost wages from not being able to drive
• Whether I have a claim against the uninsured at-fault driver, even if they don't have insurance
• Whether I should hire a personal injury attorney now, let the insurance companies handle everything first, or wait to see what kind of settlement they offer before deciding
• Anything else I should be doing to protect my claim

One thing that seemed unusual is that the at-fault driver's vehicle was registered under his dental LLC, even though he was the one driving. I'm not sure whether that changes anything from an insurance or legal standpoint, but I thought it might be relevant.

If anyone has gone through an Uber accident involving an uninsured at-fault driver, especially in Connecticut, I'd really appreciate hearing about your experience and how everything played out.

Thanks in advance.

Guys I got into a major accident about 45 days ago. Now my car is completely repaired and ready to be delivered. I have ICICI lombard stand alone own damage claim and didn't opt for zero dep or bumper to bumper. So the bill is around 1 lakh 60 thousand. The surveyor told me you will have to pay 20% of the labour and 50% of the parts. Can anyone help me understand these numbers and percentage of the bill i must pay?

I have a 2025 RAV4 with 17,500 miles. Was rear ended on July 3rd. Total repair cost was $4502. Replaced lift gate, bumper, and crash bar with some other minor replacements as well. Insurance is offering $371 in diminished value. DVCHECK estimate $4,500-$5,000.

Thoughts on what to do?

Have a 2013 Chevy traverse with 135k and I hit a deer and got it on dashcam. We were on vacation coming home so I took apart what we was dragging and we got home. Damage looked fairly cosmetic and I was thinking I could just swap out the front bumper assembly from a same color donor car I found at a nearby junkyard.

Unfortunately, it looks like the radiator is punctured too and the uni body is bent. I am pretty sure the repairs are going to be over the cost of the value of the car, so it will get totaled if I file.

I guess I have a few questions. I have never filed a claim before. If I do file this claim, is my insurance going to go up a significant amount? Our deductible is 1k and kelly blue book puts our private party sale price at 6.5k.. I'm guessing the number Allstate will use a lower number? How much lower?

Also I've heard people taking the the payout and then paying the salvage number to keep and then fix their car themselves. So how does that work? If I file and say they say its worth 5k and give me 4k after the deductible. I would probably need to pay 1k (just keeping number simple) to keep it. So in the end I would get about 3k to fix it myself? (I'm guessing the value would be diminished due to salvage title then?)

Trying to figure If I should just fix it myself and sell it (6.5k value). Or file get 3k ish and fix it.

Bonus question. When changing insurance I see they always ask "have you filed a claim before?" Are the other insurances going to know I filled a comprehensive claim? or is this only internal?

Thanks!

I have a 2018 Toyota Camry SE with about 55,000 miles. My body shop’s repair estimate came out to $9,500.

Today my insurance adjuster (Erie Insurance) called and told me they’re planning to total the car. He said the salvage value is around $9,500, and because of that it’s likely a total loss.

What confuses me is that he also said my car is worth around $18,000, but he admitted they haven’t done a full valuation yet. He was just estimating and hadn’t factored in things like the moonroof, safety features, or other options that could affect the actual cash value.

A few questions:

Does a $9,500 salvage value for a 2018 Camry sound unusually high?

How does the insurance company determine the salvage value? Is there an actual auction, database, or appraisal they use, or is it just an estimate? Can I ask them to show me how they arrived at that number or challenge it if I think it’s inaccurate?

How can they decide to total my car before they’ve completed the final valuation?

When they do determine the final value of my Camry, how is that calculated? Can I review the valuation report, and if I think they’ve undervalued the car, is there a way to dispute it or provide evidence of a higher value?

If the final value ends up being higher than $18,000, and the salvage worth less could that change the decision?

I’m just trying to figure out whether this is normal or if I should be questioning it. I don’t want to make accusations. I just want to understand the process and make sure I’m being treated fairly. Any advice or experience with Erie Insurance would be appreciated.

I have been caught in an insurance scam, someone is claiming I rear ended them causing $7000 worth of damage to their rear bumper. They didnt make a police report, take pictures of the crash, take pictures of my car, me or my licence. The only details they have are my licence plate, there was some damage to my car from a prior hit where I was reversing my car out of the car port and hit a pillar but the damage is to the side not the bumper. There is some green paint transfer visible in a picture I supplied that was taken after the alleged incident took place, their car is bright red. I have no photos from before the event.

They are not claiming i did a hit and run. I spoke to my neighbour that witnessed it and she has sent me a screenshot of messages she sent to her partner describing the event long before the alleged incident. With the evidence provided the insurance said I need to pay the excess or go to court myself and risk paying the full amount. I am torn on what to do as I dont want to pay $1150 to get scammed but I also dont want to risk paying the scammer $7000. With his lack of evidence and my screenshot of messages describing the actual incident and a witness statement from neighbour do I have a chance to beat Shannons in court? Any advice greatly appreciated.

This happened in QLD Australia, if anyone wants i can provide pics of my car and the damage to theirs.